Real Estate Advice

Army veteran and Realtor Sam Silver discusses both career opportunities in real estate and tons of knowledge on how and why a Realtor is your best partner in the home buying and selling process.

Guest Links:

https://samuelsilver.exprealty.com/

Transcript from Episode 23 with Sam Silver:

Keith McKeever 0:03

Welcome to the battle buddy podcast with Keith McKeever. Hey everybody, welcome back to another episode of the podcast. I'm excited to have a fellow Realtor with me. This is the first conversation we're really having in depth on really, specifically real estate real estate as a career. Before we get started, I just want to make a quick announcement thanks to David and ginger over it really designs. The podcast now has merchandise. So if you're interested in it, I'll have a plane down at the bottom of the screen for a little bit. It's just kind of a plug for them. They are Navy veterans, great people to work with. And this merchandise kind of helps the mission continue with podcast here providing, you know, great information education, and tips and tricks and all that stuff for all the veteran military community. So we'll bring Sam in. Welcome, Sam.

Sam Silver 0:49

Thank you so much. I appreciate you inviting me.

Keith McKeever 0:52

Well, I'm excited to have a conversation with somebody finally, who shares similar passions as I do, because you as a veteran have a passion for helping the veteran community. And you're also a realtor. But both of those things in common. So this is really exciting to kind of talk to you about your thoughts and opinions on real estate as a career, right? I mean, there's a transition and we see a lot of people come into this industry. So before we get into, into the real estate stuff, you know, tell us a little bit about who you are, what your military journey was, and what got you to where you're at today.

Sam Silver 1:25

Well, my name is Sam silver. I'm in Santa Clarita, California, located just la slash Ventura County. Oh, yes. So if you think about Hollywood, we're located about maybe an hour from Hollywood. And if you think about the beach, maybe about an hour from the beach, like Malibu, and Zuma, I was showing some properties out there in Marina Del Rey, it only took me about an hour to get out there. So not too bad. So I'm centrally located in Southern California. I was in the army. And I went in the military right after high school. And actually, my mom had to sign me in the delayed entry program, because I wasn't old enough at that time. I was 17 years old. So broke her heart. And then and then when it was hard, though, oh, my gosh. Those feelings. And then I broke out again, because I left for basic training on our birthday.

Keith McKeever 2:37

At some point in time, somehow,

Sam Silver 2:39

I'm always making up for it.

Keith McKeever 2:43

Do that, right?

Sam Silver 2:44

Absolutely. She's, she's, she's great. And so I went in, in high school, and I went to basic training for Jackson, South Carolina. And I went to beat I went to my a, it was fort Ritu, cutter, Fort Huachuca, Arizona. So my, my training was gonna be military intelligence. And I did that went through class. And unfortunately, in the process, I was experiencing pains in my knees. I would go to sorry, I would go to a sick all a lot. And unfortunately, they they don't think you're serious when you go to when you go to sick call. They think you're

Keith McKeever 3:37

in a training pipeline. Yeah, they think that you're trying to get out of something or take it easy or something like that?

Sam Silver 3:44

Well, unfortunately, it was I had developed a condition called Conor Malaysia, which is a deterioration of the cartilage in the kneecap. So, you know, running on the hard pavement, jumping, getting in the prone positions, all of those things just exasperated it. So I did my basic training, I did my ai t and all along. I was telling my, my drill sergeants, you know, I've been paying. I mean, there's something going on here. I never had pain in in high school. I was in the marching band. Not real strenuous, but but I did. I did some track. But I never suffered from from anything. So there should be there shouldn't have been any reason why I had an issues. So my my time was cut short, unfortunately. And then I got out and I went, I didn't want the military to operate on my knees. So that's understandable. So my parents had a certain amount of coverage under medical insurance. So when I got out, I went and I had a civilian doctor, do the surgery on my knees and of course I craft, I was couch, surfing on their couch for a while and, and did what he needed to do. Then I decided to get into sales, because sales is a great transition for paramilitary because you know, you got to responsibilities, you know how to goal set, you know how to do the things that a lot of people don't. That's why That's why military people or private military people do so well in sales, not only just real estate, but they do really well in sales.

Keith McKeever 5:41

Absolutely, yeah. And it seems like a lot of people get into it. Our industry, I guess I'll throw around a number. I believe our industry sitting somewhere between 40 and maybe 45%. Male. And we know a lot better. I mean, I'm not saying all veterans are male, obviously, we know that's not true. But I see a lot of the guys that come into the industry, a lot of them do have either military police, or first responders, firefighter EMT kind of experiences, it's very strange that they kind of a lot of the guys that get in seemed to have one of those backgrounds. And I think that there's a lot of a lot of things to be said, and I'm not going to kind of jump right into those those questions. I think there's something to be said for those career choices, those life choices, and some of the skills and stuff that you pick up along the way doing that, that do translate, and it's not so you know, a lot of times, they're not maybe skills that you would think to translate, but, but something does. And it gets people in this industry for one reason or another.

Sam Silver 6:47

I agree. And I think it has a lot to do with structure, you have structure in the military, you have to create structure in real estate, otherwise, you're out of business.

Keith McKeever 7:01

Very true. So you have to have a lot, a lot of patience and structure, and really stick to it.

Sam Silver 7:08

And the giving and giving people that are in the military, genuinely when they're out, they still have the giving heart, they still have the servant mentality. So doing that, and being able to help somebody find their first house. I mean, that's, that's just the most incredible feeling in the world. I mean, even if they didn't give you a paycheck, just just that incredible feeling. And the families, you know, they give you hugs, I mean, even though COVID they still give you hugs. But it's it, there's nothing like it, you know, and you and you can relate Keith, you know, handing the keys to a brand new homeowner that maybe didn't know that they can afford a home, maybe didn't have the money to afford the home. And you know, that's why there's programs out there to help not only downpayment assistance, but there's realtor credits, there's all sorts of really great programs out there, and all states have them. And then there's government programs. And of course, you know, being military, you get a zero down, just for being just first serving. So you know, there's a lot of veterans out there that don't understand what their benefits are. And I try to or correction, I educate, I educate, there's no trying, I educate, I go out there, and I meet people. And when I find out they're veterans or any of the hero occupations, I try to make I make sure that they are educated on what the rights are. Because there's a lot of there's a

Keith McKeever 8:53

huge lack of education, unfortunately, about these kind of things. And I know you're doing it, I'm doing it, there are people doing it, there's what great reps on websites out there. And it wasn't going to go kind of down the low recipes were there. And it's show for military. It's just I think it's a very daunting thing for a lot of people to look at if they've never bought a house or maybe they grew up, you know, and their parents had never owned a house to look at the whole process as just this big, ugly, scary process. And it's like, I can't do that, you know, I don't have credit. I don't know what the process is. I don't know where to start. I mean, a million things can go through your mind. But if you're a veteran or take advantage of that VA loan, call your lender, talk to him, see what you're qualified for, you know, and see what you can do because in probably 95% of cases defend we're at in this country. 95% of the time, you're gonna save money by being a homeowner versus a renter.

Sam Silver 9:57

That's true, very true.

Keith McKeever 9:59

You I can't say 100% of the time, but probably 95% of time, there might be a few weird cases out there where you would or unique situations but take advantage of that. Save yourself the money he was what your what you've earned. And you can't beat zero down. And you know, you don't have the the funding fee. I mean, there's so many different great things about it, you know, you got to take advantage of it. Don't get stuck on this. In this trap of this big ugly thing I don't quite understand. If you don't understand it, call your lender, find an agent talk to your agent about it.

Sam Silver 10:34

Yeah, awesome. Call you know, and we have we have connections all the way across the country. I mean, if we can't help you, we have you know, how many agents across the country that 60,000 plus agents in my in my brokerage. Now we're, and we just opened into Germany, we're now in Germany exp just expanded to Germany. So I think we're going to go to I know we're going Germany, I think we're looking in Japan right now. So we have agents across the world and and the country. So if you need anything, you know, get a hold of kids get a hold of me get a hold of anybody that that you trust, that really cares and doesn't have commission breath. You know, we

Keith McKeever 11:23

That's a good one. I've never heard that before, but I know exactly where you're going with that condition breath.

Sam Silver 11:28

If if somebody if somebody is forcing you to do something you don't want to do that's commission breath. You know, I talk more people out of houses than into houses because it's like, you know, do you want this? Do you want this? Do you want to pay a Mello Roos? No, I don't want to pay on Melrose? Well, we don't want this house because there's a mello roos here. And all those things were consultants were there to make sure that you're happy. It doesn't do us any good to get you in a house first of all, it doesn't do any good for us to get you in house at your house poor you got to be able to go out you got to be able to have have time with your family you got to be able to eat so article and on my my lenders are always trying to make sure that can you afford this? You know, and what is your monthly payment? Comfort? How much do you want to pay per month and a lot of times we can back it in? So you say I want I'm okay with 3000 California it's about $3,000 a month for a lot of houses. You back it in from uncomfortable to $3,000 a month. Okay, great. So then you back it in to figure out how much of a house you can afford for that. So that helps us out too so if you're like you know I'm I'm paying an apartment rent how much you pay for apartment right? What is the apartment rent in your in your Oh is go for Keith?

Keith McKeever 13:03

Three bedroom 1000 square foot home single family home? Probably about 1000 9000 a two bedroom apartment, depending on where it's at. Anywhere from 550 to 750. Maybe.

Sam Silver 13:18

Okay, so if you took the amount that you're paying in rent, if you took that and that was affordable, you could actually take that money and say, You know what, I want to own a house. What am I paying my landlords rent? What can I pay mine,

Keith McKeever 13:35

I have seen two bedroom, very dated apartments where people are paying, you know, seven 808 50 a month for and that's less than my mortgage on my house. And it's cozy. I've got a 1960 brick ranch, you know, 1000 square feet, you know, nothing, nothing too big too, too fancy. It's enough for us and fits our needs. And you know, I've seen people renting much, much less square footage and condition wise than than what I pay for mine. And that's just that perfect example of you can do more with your money. You know, we might as well pay the bank and start building a little bit of equity here, here and there. versus putting it in somebody else's pocket.

Sam Silver 14:20

Especially you get there's all sorts of tax advantages to I'm not I don't play I don't play a ton on TV, and I don't play townsperson on clubhouse

Keith McKeever 14:32

to start with all the disclosures first. Companies we're not attorneys we're not tax professional

Sam Silver 14:43

but we're in here we're in it for the right reason. Keith Keith does these battle buddy podcast to inform you to make sure that you understand what your what your rights as a veteran are, and his heart isn't right place. So, you know, that's that's important, you know, look at look at what he's doing look at the people that he's had on the on the show how they get back. And most most the agents are actually most of the people on clubhouse that that we've, we've experienced connections with are so giving are so loving are so caring, and they're out there just to make sure that people are taken care of. So if you go through, I've always been taught that if you do your business in the right way, and you love what you do, then you'll never work a day in your life. And my grandfather was a salesman until he died. And nobody ever had a bad word to say about him. And they like to buy his, whatever he was selling to else to buy it. Because he was such a nice person. And so giving and loving and just wanted to know about you, how can I help you. And that's what we need to do and focus on is the people that, you know, it's not my money, you're buying a house, it's not my money. My job is to make sure that you are informed and educated and you do the right thing for you and your family.

Keith McKeever 16:13

That carries a lot of weight as a realtor to know that. It's not our money. It's like you said it's your money. It's your $100,000 or your million dollars. Difference between our markets. But that's money that you're going to be spending for the next 15 years, 30 years, whatever plus interest to the bank to own something. It is not a small purchase, in most people's lives, it's the biggest purchase you're ever going to make. Cars may be very quickly approaching that I mean, I've seen some $100 Suburbans, which has blown my mind. Of all often said, If I'm gonna spend that much on a car, I better be able to sleep in it. And

Sam Silver 16:55

I was gonna say no, You took the words right out my mouth, I'm just saying you gotta be able to live in it. If it's $100,000.

Keith McKeever 17:00

I don't think Suburbans are quite big enough to for my family of four. But you know, we have to take this this job very seriously. Because it's other people's money. It's other people's network that's generational net worth, that's really in our hands. And I think that's another thing that a lot of veterans really take a lot of pride in, is we have pride. And we take care of each other. And we're from diverse backgrounds, and we're used to working with diverse people. And it gives us a mission, it gives us pride in knowing that we're taking care of people. Because that's we're trained to do from from day one is take care of your battle, buddy, right. And, and that's kind of I mean, that's how I've always framed my business is every client veteran or not, is I guess you could say a battle buddy, I My job is to take care of them the best I can and advise them. And I've always had this this view of painting, painting a picture. Because you talked about how much you can afford and things like that. I always tell people, you need to have a budget, right? Because the lender may give you $1 amount that technically works, you can technically afford it. But it doesn't mean that you should. Right. And you know, you should know what you're comfortable. Because let's just say it's $100,000 house, you're comfortable with payment on $100,000. Home, once you find one for 105 The bank says you can do 120 I'm probably blown your mind with these fingers here in the Midwest. But no problem just because the bank says you can do 120 you technically can. But your comfort zone is 100 105 may not be that big of a stretch. But at the end of the day, at least you have the full picture. And you can you can make that educated decision. Because that's that's what you do throughout the whole real estate transaction. You're making an educated decision on what you're gonna offer conditions, closing date inspections, all that you know, and that's our job is to educate, educate, so you can make educated decision and walk through

Sam Silver 18:53

the process. Yep. So I like to, I like to say what I like to equate purchasing a house with when you're taking a airplane flight. Right? You're taking an airplane flight you sit down, you buckle up you the person shows you what can happen if you have a crash rally preparing you for if something goes wrong. I acquaint myself with pilot. I'm in the front. I'm trying to make sure that you and your family land safely. Right. It's a great analogy. You want to land safely now there's gonna be some clouds sometimes we're gonna we're gonna hit some bumpy roads. All transactions are not the same.

Keith McKeever 19:43

Definitely not the way you think you're gonna be easy or not. The you know that they seem like you're gonna have all kinds of hurdles or for some reason gonna run way smoother than you ever expected.

Sam Silver 19:54

So turbulence, so you like like in a plane. You're gonna have some turbulence and you can predict the turbulence. But when turbulence happens, what our job is to be your advisor, or your fiduciary, and help you to understand what the turbulence is help you understand your options and land you safely. So just being a pilot of a plane, you think about, you know, you're having your drink or eat your food you're doing over here, you're putting a mask on nowadays. But that being said, you don't see a lot of what the pilot deals with. And you know what, to tell you truth, I wouldn't want to see what the pilot deals were. Because I'm sure there's pretty ugly things out there. So sometimes I tell people, if you don't hear from me, this is good news. This is good news. If you don't hear from me, I'll I'll communicate with you every week, just to make sure we're we're on on course. And we're not bumping into clouds, or there's no planes in our horizon or anything like that. So that way, we know we're gonna land safely. So

Keith McKeever 21:12

I always tell people is like, assume your closings and four weeks or six weeks, something like that. I said, you're going to have a lot of action right up front, a lot of stuff is going to happen. The negotiations, the setting up of inspections, attending the inspections, negotiating repairs, all that stuff is going to happen right up front, your loan application. And then at the back on the back end, right, you're getting your closing disclosure, you're getting ready for closing, you're doing your final walkthroughs, you're, you're packing you're moving, I always tell my clients, there's gonna be this weird week, maybe two weeks, six weeks, you're gonna have this weird period where you kind of hit your groove, like all those busy things are over, and you're kind of hitting your groove on packing. And it seems like nothing's happening. But it is, it's happening back on the back end with the loan and they're in, they're processing all that stuff and doing all that paperwork, it's happening. But always striving for more people, there's going to be that time period, where you're just gonna like wake up one day, on a Tuesday morning, and you'll be like, I haven't heard from my agent three or four days, I haven't heard from the title company haven't heard from the lender, and you're gonna be kind of freaking out. And I was trying to set that expectation things are happening. about that same time that you have that thought is what I'm gonna be checking on you doing? Okay, you're packing to get everything ready, you know. But there's that weird, unnatural spot.

Sam Silver 22:25

It's like it's like a it's like a it's like a silent pause. It's like a silent pause. All of a sudden there's a sign applause. But the sign applause is sometimes good. Yes. And I'll say most of time a sign and Buzz is good, because it lets you collect your thoughts, your thoughts?

Keith McKeever 22:42

Well, the last thing you want at that point in time is the is the bank to be calling you for documents or problems or you want it to be quiet. Exactly. You want them just dotting their eyes and crossing their T's, you know, right there finishing the paperwork. So

Sam Silver 22:56

absolutely. And a lot of people don't know about that. A lot of people don't know about that. So you know, absolutely. I think I think that's a great way of doing it saying you know that you have that 21 days, you have that 17 days, first, and then you have that 21 days for the next step. And then, you know, we're there. So you know, that you got you got, you got to get the earnest money deposit to the person if you're purchasing Well, I mean, on both sides, earnest money deposit has to come to you, as the buyer or as the selling agent. And a realist money's got to come out of your clients pocket as the buyer's agent, so that way that allows escrow to happen. But nothing happens without that money.

Keith McKeever 23:42

Yeah, there's a, there's a lot of process spots in the whole transaction where you know, nothing, you know, you have to you just have to hit that checkpoint, you know, you have to mark that off the list for things to just kind of move forward. But, you know, that's, that's what we're for, as Realtors is to, is to manage all that for you. So all you have to do is just do the things we tell you to do. Give the bank what they need, and pack your stuff.

Sam Silver 24:07

And realize that realize that and realize we're the professionals we do this every day. And don't listen to your friends. And don't listen to your family. Because Uncle Joe sold a house 20 years ago, a loan that changes every year in real estate, we're in classes constantly with the legal changes with the things that we have to know about because people want us to and who they're going to sue, they're not gonna see you they're gonna come after us. So knowing these things, every year, we have new documents that we have to know about. Every week, I'm in contracts class because I want to know the little things Newsha, the little check box that maybe you forgot about, somewhere in the process, we need to do this for a while, sometimes that happens. So I am always updating my knowledge. And as you get good at this, you still, you know, there's still things that you can forget. So every week, I'm in contracts class with my mentees, because I don't want to make sure that the mistake that they make is not going to cause my workers their license, because that can happen. So, you know, it's very litigious. So remember that your agent, your realtor, is there to protect you, from the lawyer that's hanging around the corner, waiting to sue somebody for something for something that, you know, they say happened and doesn't so,

Keith McKeever 25:56

and lawyers out there for that, just like there's lawyers out there for after that fender bender,

Sam Silver 26:00

exactly knock on wood, 16 years, I've never been sued, I've never had to go into core, I've never. So you know, 16 years of doing this and not having that happen. I think I've done pretty good with protecting my clients.

Keith McKeever 26:14

That's definitely a darn good sign. So let's let's transition to a career. So I think we've definitely given some great advice to those look into looking to buy or sell. But this is a career like we kind of started off with is, is not uncommon for military members and first responders to get into. So what kind of mindset shift Do you think somebody has to go through to be successful in this career?

Sam Silver 26:45

The first thing is to realize that this is a business. This is a business, a lot of people get into real estate because they want the freedoms, freedoms, it's great to have the freedoms. However, if you're not doing something, every day, you're on a business. If you don't have a buyer, you're showing if you don't have a house, you're selling, you're out of business. So every day, you have to do something to be in business, this is a business. So like any other business out there, you know, you have profits and loss you have, hopefully, you you pay your quarterly so that way the government doesn't come after you somewhere down the line. It's a business, you need to get an LLC or a DBA are, are one of those to protect your business. It's a business, you have to have structure, you need to have goals. If somebody came in a real estate, and didn't know what they were doing, first of all, visit homes for sale. This homes for sale, if you don't know what is going on in your market, you're you don't know anything, you don't know anything, your client knows more than you if you don't, because

Keith McKeever 28:20

they have been spending hours, especially in this market where this is this is gonna date this episode and future. A hot market like we do right now, buyers are on, I'd say usually more than one or two

Sam Silver 28:35

plants now, oh, they're jumping from one to another. So you get a lead. If you get a lead, if you don't jump on that lead instantly, they've already gone to another website where of course, they're gonna maybe put their information in and get called by 20 agents. So

Keith McKeever 28:52

every time they do it, and it's happening every time they do it for the two or three months before they even make the first move to talk to somebody or or lender. So they've got a bunch of agents trying to reach out to him. They've seen the properties have come on the market. They've seen them go off the market, and in some cases, what some websites just see the sold data. So you're selling for. So they already know they've been watching the market for two or three months. If you're an agent and you're not watching your market.

Sam Silver 29:20

There, what do you what are you doing in business?

Keith McKeever 29:23

What are you you're what you're providing them at that point in time is access to the homes and somebody to help them to the transaction, but doesn't already have the information?

Sam Silver 29:35

Because that's not a fiduciary the fiduciary the way we can survive in this crazy touch this by this instant gratification the way we can survive as realtors in this environment is to help our clients to wade through all the rigmarole we through all the gobbly gook, we threw everything that they're seeing on the news channels that we can go through that we can weed through that we could sift through the garbage for them. Because like Facebook, do you believe everything that's on Facebook? I hope you don't,

Keith McKeever 30:26

I definitely do not. I don't believe I don't believe half the stuff I see you on the internet, it's got, it's got to look like it comes from a pretty legitimate source for me to believe it.

Sam Silver 30:36

Exactly. And, you know, you got all these companies that are out there saying, click here to sell your house to us what they don't know. And Keith can verify this, what they don't know is they're adding something called a convenience fee on top of whatever they're going to give you for your house, it's called a convenience fee, it could be seven to 12%, on top of whatever their fees are. It's called a convenience fee. They come with a convenience fee, because they want to make they want you to think that selling your house, the DOM is easy. However, it is not like they say it first of all, you still have to go through documentation, you still have to go through all the legal stuff, you still have to go through all those things, you still have to go through that. However, they come in, and make people think that oh, press a button, sell your house, you get cash. Yeah, but it's gonna be

Keith McKeever 31:42

in your bank account tomorrow. But it's not. It's not, they're not gonna give you probably not going to give you anywhere near your fair market value. And then they're going to probably without playing attorney here, they're probably going to have something drafted in their contract that says if they find certain things they're going to back out, that says termites or other wood destroying insects or material structural damage, or if they find that there's massive liens on the property, maybe maybe you're just really not good at mowing your lawn. And the city has been mowing it for the last five years at but at least in my area. I mean, it could. It could be 100 $125 every time they come mow and they come a month you know, and I've seen liens on properties $15,000 For easily over over the years,

Sam Silver 32:32

easily. Homeowners Association, homeowners association liens come first in first position. So if you have a housing tract that has homeowners association, if you see a house out there that is looks like the weeds are overgrowing call me call Keith, let us know because these are houses that are going eventually going to go into foreclosure. And they're going to take the value of your home in the homeowners association down because there's going to be homeowners association bees that are not going to be paid. Therefore, the HOA or Homeowners Association has to pass the buck to somebody. And that's you if you live in that homeowners association. So yeah, warning early.

Keith McKeever 33:19

I'm listening to admit I've been part of my HOA for about six, six or seven years. And I can tell you in our we have very, very cheap dues. They're like 60 bucks a year. But we have some people that are behind hundreds of dollars. Mm hmm. We had somebody it was back behind almost 2000 at one point. Yeah, that's crazy. Hey, you know, in $60, and we have a leak. But anyway, that's

Sam Silver 33:43

I'm coming over the big head

Keith McKeever 33:45

scratcher. It's like that's, you know, $60 over 10 years, it's only $600 to have leak rates. You're no kidding. Wow. In value, way more than $600 over 10 years. And I've had people come I was president for a while. I had somebody complained to me that it wasn't worth the $60 It's useless and why should I have to pay this? And I was like, Do you know what that does to your property value over time? You know, you've lived here 1015 years you have appreciated value way more than that. That's true. It's it's it's a head scratcher. why somebody would not want it. It's like, even if you don't use it, it's worth paying it. It's $60 it's cheap. I don't know how he always are out in California but here in the Midwest, I mean, ours is 60 is dirt cheap. Yeah, they're set up. That is dirt cheap. There's some here that are you know, 234 500 for the year that are that are dirt cheap and ours are 60 bucks per year

Sam Silver 34:42

not even know we're we're about one of the houses I own is like $135 a month and there's a park in calm in the area. But it's not gated and there's no pool or anything like that. That's just a basic, nice neighborhood.

This house that we live in now we pay an HOA but we don't get anything for it.

But sometimes it happens but I mean we're we we have a house that has a decent backyard and we grow vegetables in the backyard. So I mean, it's worth it for us. It's great peace of mind. So

Keith McKeever 35:23

absolutely. I will say one thing for for Hoa, especially for those people who are interested in buying maybe their first home, do your research. If a property has an HOA, don't take just your agents word for it, get the bylaws, talk to them, not to the board, figure out what you can and can't do. Because there may be restrictions on certain things you can't do fences, short term rentals, property conditions, certain things like that we don't have too many around here that are too super restrictive. But just you know, see things that will, you know, need certain plants or what, you know, watercraft and things like that fences are a big one around here and in some some major ways.

Sam Silver 36:05

How about Arby's? How about how about Park, an RV on the street?

Keith McKeever 36:09

You know, and they could vary drastically from what the city ordinances say, or the categories is, because they may be fine with them, as long as they're tucked behind a house or something. Ridgeway may say no, put it behind me just say just period no, you know, so you just got to really check and double check what you can do and certain things so.

Sam Silver 36:31

But then, and then also, you know, you got to think like, like we have people that purchase one property, get some equity. And what do you do with that equity? You call your realtor and you say, You know what, maybe I can get investment property because this investment property could pay for my home that I live in. That's where your realtor is someone that you can go to your whole life. You got you, you got your kids, you got your grandkids, and you have done things in your life. You know, you go you go to retire and you want to downsize, there's another there's one time that you want to connect with your realtor. And you want to be loyal to your realtor, because your realtor is loyal to you, they will take care of you, they will make sure they make sure that you get the best deal out there. They know the loan programs, they know how 1031 Exchange work. That's a That's a tough code to exchange one property like kind property for another, like kind property. So you can save taxes that way. So just I won't go any further. And

Keith McKeever 37:46

you have a good point on the loyalty because I have seen it personally. My mother's my business partner. She's been doing this for 30 probably 34 years now. And she has a lot of repeat clients and her entire book of business is built on referrals. Absolutely. By doing things the right way, treating people like family, taking care of them. And she has had you know, I'm gonna have to ask her for sure. I know she's had children. I don't know if she's had a third generation come up. Well, that's coming yet. I'm sure it's coming pretty soon. Yeah, Jane depends on when the time time works. But it's awesome to kind of see. See that from her. And that loyalty really helps. I can tell you I've got some past clients. When I got on the military, I sold furniture for a year and there's a guy I worked with, shout out his name's Bob. Bob happens Listen, this, Bob's my boss is like an older brother to me. Love that guy. And if he calls me not, well, I want to take care of any client anyway, of course, you have a connection like that when they bought multiple properties from you, you go way back, you have a connection. You squeeze them into the schedule, you make a way to really take care of them because they're they're like family you know, and that's that's the way I look at businesses is I hope that my clients come back to me so I could take care of them because you already know the house you already know the situation you know them their spouse, you know the kids like there's there's a lot of benefits it's just like your family doctor, you don't just go change your your doctor every single time you have a new ache or pain right? Exactly. It's like you know, I hurt my arm this week. I'm gonna go to this doctor next week, I'm gonna go for my toe you know, you don't do that. You know, you go to your attorney why? Because they know you and they know your situation. You go to your CPA because they know your books. They exactly how you operate your business and we should be the same way and unfortunately, sometimes we're not. But you know, that's, that's how you should look at your realtor is just another trusted partner.

Sam Silver 39:46

Exactly. Because we're, you know, if you want to ask well, we'll go through your whole life and be able to help you with whenever we need. I mean, sometimes it's you know, I hate to say we we sometimes come into situations where someone's died. And you have to treat that with a very delicate manner and demeanor and somebody that you don't know may come in and just like a, like a hurricane, no have no feeling about the situation. And like, like right now I'm working with one of my one of my wife's people in her in her work that she helped get some medical attention. And the mum died. And I just got a text a little while ago. And she's got to hold off because there's some lawsuit in in the area from from fire. That happened long. A couple of years ago, the big, really big fire. So that has to go through that. And actually somebody, just somebody, actually three people that I'm working with right now are heroes, I got a nurse, I got a police officer slash military. And I got another one. That's a police officer, these are all moving out of out of town. You know, they're not hitting their head at one side or heading to Atlanta, the other one is going to Texas. But you have to be sensitive to these things. When I deal with police officers, you have to real sensitive with their time, you also have to be real sensitive what you say and how you say it. You have to be sensitive with not taking pictures of certain things or not taking pictures of them. Because

Keith McKeever 41:44

some cop clients before and anything gun safes if they've got a wall with, you know, awards and decorations and stuff that they've you know, honorably earned with military service or law enforcement service. You know, those are things that I've tried to cut out of the photo. Exactly neutralize your photos online as much as possible so that you don't really know exactly who's living there. Exactly. We have a trained eye and we can look at those MLS photos and kind of tell you a little bit about the people that live in their houses you get you get that sixth sense, I guess about who they who they might be, you know, you pick up those context clues, I guess, but we can

Sam Silver 42:22

walk up to somebody and probably tell there's a lot of police officers for some reason I just I walk. I'll be I'll be talking to somebody and I'll just be like, in the back of my mind all these police officer, police officer.

Keith McKeever 42:39

Firefighters are pretty easy to tell. Yes. You know, obviously, if you're still in the military, you've got the high end tight and clean shaven face. Certain things tell vehicles,

Sam Silver 42:48

sheriff's always have that have that high and tight.

Keith McKeever 42:53

Yeah, they do. You know, but just walking through somebody's house, even if you don't know the person, and you're just you're going out with the buyer, and you walk into somebody's house, it's it's amazing what being in the military and being around diverse people. Mm hmm. And then, you know, getting out and going through enough houses and meeting enough people throughout the course of your business, that you just walk into houses. And in I could probably tell you just about every house, four or five things about whoever lives there. Exactly, pretty quickly, what their into their approximate age. And I mean, I don't want to get into Fair Housing kind of stuff. But you can tell sometimes, you know, even maybe the race or religion or the person that lives there, you can you can and that those things are really easy and quick to pick up. Exactly. So pitfalls that you could fall into as well, you know, with fair housing. And

Sam Silver 43:42

yeah, you have to be real cautious about that. But I mean, fortunately, the HERO Program, that hometown hero program that I do, they're not considered protected classes. So I mean, when I when I deal with, and that's the majority of my clients, my majority of my clients who help them the hero's

Keith McKeever 44:01

journey doesn't have a date. They don't have any state protected classes. We've all been at

Sam Silver 44:06

13 we have 13 protected classes

Keith McKeever 44:09

in Illinois off the top my head and I know one of them. Think one of them is military status. The other one is dis military discharge status.

Sam Silver 44:18

Oh, wow. No, we don't have we have we have to protect classes that are just the the general protected classes without going into it. There's there's six and then they added another seven on top of that. But no military military service isn't one of them. Please fire nurses, teachers, none of them are considered protected classes. So generally, when, of course, I am cautious about what I say especially for any law enforcement, any of those people that are out there every day. I'm real cautious about what I say and what I do and and how I approach things. because it's kind of funny, this was this one that I went out today, I'll give you a real short story, I don't know when our timing was referred from an Asian another state that they were moving to. So she came through one of our back office or workplace office and asked for somebody that deals with. Actually, she didn't say anything about the client, she just asked for somebody in that area. And then I contacted her and I said, she says, she says, this is kind of a weird one, I can't really tell you about the person and what they do and says, I've said, Oh, they're a police officer. I said, I say you don't have to say anything. This is what I do. This is everyday I deal with police officers, fire, nonprofits, government agencies, every day I deal with these, this is my bread and butter. This is this is who I love to care for. And who I give money in, in either credit, especially most mostly credit, because even a seller I kind of have to know what the house is gonna sell for before I can say, Okay, what this, you're gonna get this money back? Yeah, so I'll say I get credit back to those that are out there every day for us fighting the good fight in our communities. So that was that was a referral, and they're going to another state. And they were very happy with the transaction. And I couldn't even put it on the MLS in the beginning. They wanted an exclusive and we tried that. And unfortunately, exclusives are only good for the real estate agent. That's it? They're not good for the

Keith McKeever 46:57

quarter that for sure. Yes. It doesn't, it doesn't help at all. I mean, you're you're taking this broad potential view, down to one or two people to know.

Sam Silver 47:08

Exactly. And even in I mean, you could you could, and you can only market if you get an exclusive listing. There are so many restrictions that you can't do. You can't put on any social media. Because that because having that sign precludes you from putting it onto social media, and a lot of our buyers and sellers on social media. And if they saw that house, they would buy it. So it's word of mouth. It's it's brokerage connections. And you're losing 2 million Realtors across the country that should have seen that property. Yeah, so

Keith McKeever 47:56

that's why it's normally used more as a as a is a coming soon is kind of more or less what we have. So it's an opportunity for the agent to get their marketing materials, their videos, their pictures, drone shots, whatever you're going to do, you know, and get that done. Get those back get a you know, whatever you got to do. So your marketing materials ready to go day one. So I think our limit right now is 30 days if it was

Sam Silver 48:22

any Yeah, that. Yeah, that was that was that's ours 30. And you can't I mean, coming soon, you can't. No one can come in and house and see it. That's the challenge with coming soon. Because you'll you'll put a coming soon. And every agent wants to see it and said I can't do it. It's against the law. It's against rules. You can't do that.

Keith McKeever 48:46

Yeah, your fines from the state you're gonna get ethics complaints slaps against Yeah, I mean, it's, it's, it's a mess. It's supposed to

Sam Silver 48:53

make all the problems.

It's supposed to make it better for everybody. The way the way it's done. I don't know if I agree with that yet. But, I mean, it's still fairly new.

Keith McKeever 49:07

Yeah, it's pretty new in our area, we've only had it for a couple of years. And there's only a handful of people that that use it. And they don't really use the company soon for a week or two just to get their photos and videos done, you know, just kind of reserves the contract in their name. Exactly. So they got the listing and it's just ready to go. And so the marketing material which is which is good, right? If it has to be done the proper way. If you're being paid to sell somebody's house, you better have that marketing material ready to go day one in this market, because you only got one or two days. If you did your job, right.

Sam Silver 49:36

professional photos always and I don't care that things are going off the off the shelf so quick right now. I still have professional photos done. I still have my photographer go out and do that. Because you never know if it's gonna fall out. You never know if it's if it's gonna be one and done or if That's gonna fall out and you have to have those things there. So that way other people could see it.

Keith McKeever 50:05

It also helps to, you know, speaking with within our industry as agents, when you've taken the time to have, well just photos in general, whether they're professional or not, when exactly taking the time to take some photos of the house, even though you know that it's a hot market and a hot, you know, maybe hot house in a hot area, it's gonna go in a couple of days, you know, you know, your area should know your area. Exactly. That helps six months down the road or two years down the road when you're looking at comparables. That's true, nothing frustrates me as an agent more when I'm looking for comparables and there are certain pockets in my area where this happens, more tenants more than others, I go look at comparables and all I can see is the front front of the house in the back of the house.

Sam Silver 50:48

And it's not okay,

Keith McKeever 50:49

now. My clients Mister Mister Mrs. John Doe, I can't tell them what their house is really worth because all the comparables only have an exterior photo. I know, their house condition is but I don't know what the other ones were because somebody didn't take the effort to take at least four or five photos. And it's so frustrating to me. But that's

Sam Silver 51:10

it's really bad for it's really bad for appraisers to because how many calls you get, how many calls that you get saying, you know, you sold this house on such a such and such, what's the condition of it is what I mean was this say say something sells under market. You know, was it a stress sale did somebody died, the appraisers have to know that in order to do a proper value. And also, for those watching. If you ever think about doing a for sale by owner, one thing you need to know when you do that, that can't that your house or the house that you're the person's doing a for sale by owner cannot be used as a comp cannot be used as a comparable. And this came for from appraiser. In one of the clubhouse rooms she said for sale by owners hurt the community reasons being they're not in MLS, they don't show up in the MLS as close transactions that can't be used as a comparable. So somebody that thinks they're going to save the money for doing a for sale by owner. I mean people have reasons for what they do. And sometimes they have to However, remember that you're not doing your community any justice by doing that. Because that cannot be used as a comparable. And that came from an appraiser in clubhouse that's been doing it for 30 years.

Keith McKeever 52:51

I had not heard that. But that's that's just another reason that you could just put on top of the stack for reasons not just for sale by owner. You know, you got safety, you can't properly market its safety. You know, do you really know who's coming in your home? Are they really qualified? Or are they just a weirdo creepy, what's come in? And

Sam Silver 53:10

I'm still your television,

Keith McKeever 53:14

all kinds of things can happen? And who's who's gonna do the contract? Who's going to make sure all that happens? Exactly. Who knows the inspectors? Exactly. If you're for sale, if you're selling your home for sale by owner, and the buyer finds it like that, and nobody has representation that being in this industry is a nightmare. That's a legal issue. I heard something on a podcast many years ago, this guy was like a retired federal agent or something. And he had a podcast on like safety and scams and stuff. And it was he quoted and it might not have been an original to him. But cheap is expensive. And I think this is one of those situations where you're trying to go save some money. And I've seen statistics before were something like seven to 12 for sale by owners tend to sell their home for seven to 12% less than the fair market value. So you're already losing that money that you would pay an agent anyway. You're under marketing, you're opening yourself up to potential safety hazards. So why are you doing it?

Sam Silver 54:21

Exactly what it comes down. It's a penny full and pound foolish.

Keith McKeever 54:27

Yeah, you know, you do this to be cheap. And you're going to get yourself into a situation where now you're paying a lawyer to sort the mess out. Exactly multiple phone calls and figure this stuff out. It's one thing to pay an attorney I don't know $300 right to do some paperwork for you and get something done. Let's just throw a number out there. It's another to pay them you know for 10 hours worth of work and $300 to fix the mess

Sam Silver 54:52

up. And and all you have to do if you if you want to sell your home, call me colicky I'll do free open houses for you. I'll go in and do free open houses for you, you can only sell your house once. What do you do with those buyers that are coming in that want a house, and you've sold it to somebody else? What's happening with them? You know, I'll do a free open houses, you know, so at least you have a list of the people that are coming in. So if your insurance company says, that's another thing, think about your insurance company, you're doing a for sale by owner, you're letting people in your house not qualified, or you don't know if they're qualified or not.

Keith McKeever 55:42

How many times you get a phone call from somebody who wants to go see houses and are totally not qualified. You find out three seconds, the credits not there to jobs, not there, whatever. I would say it's I mean, from

Sam Silver 55:53

weekends, especially on holidays, holiday weekends, Thanksgiving, Christmas. Day, Fourth of July, see

Keith McKeever 56:02

this house? And it's like, Do you have a pre approval? Do you have proof of funds? Are you looking to pay cash? What are you trying to do? You know, and we ask that question of people when they contact us because we want to know, right? Because if you're paying cash Well, that's that's one thing. If if you have to go get an FHA loan or a VA loan, well, now we need to look at homes a little bit closer, magnifying glass, we need to look at the conditions. Exactly. Because that piece of crap foreclosure down the street isn't gonna qualify. It may be in the price range and may look like a smoking deal. Which is not because every home sells for what the what they're worth, yes, sometimes you might find one that sneaks below the radar. But those foreclosures there's a reason it's dirt cheap. Because it's gonna take a lot of work to get it to average market condition. And yes, boy, I can go on exactly.

Sam Silver 56:55

But we're going to go into the rabbit hole. I like talking to you.

Keith McKeever 57:02

Yeah, it's awesome. I like I said, I don't just the first like in depth real estate conversation on the podcast. And as somebody who has two passions, and this is we're hitting both up here, there you go on forever. But get back to get back to my handful of questions here. So we started Yes, what was the hardest thing for you when you began your career in real estate? Maybe the hardest thing to grasp the hardest thing to deal with whatever

Sam Silver 57:28

a hardest thing to deal with? An educated realtor. Because because I was trained by the owner of the of the brokerage. When I first got my real estate license, I was trained by the person owner brokerage. So she taught me go see houses every day, go pass out five to 10 business cards a day. And if you don't do those things don't come to my class. So I mean, she was a hard nosed hard driver, but she was very successful. So as a new agent Absolutely. I'll do whatever you tell me to do because you're successful. I'm not yet but I will be there. So agents that don't understand how to pick up their phones. Pick up your phone.

Keith McKeever 58:32

Oh, this mailbox is full fall. Follow. Understand that when you are a business owner,

Sam Silver 58:40

how are you in business if your voice doesn't make sense? Doesn't make sense.

Keith McKeever 58:48

My head right now I'm not gonna draw I'm not gonna name dropping my local MLS names or just popping on top of my head right now. This their mailbox is always full. It's like how are you supposed to get a message to them?

Sam Silver 59:00

How are you supposed to match?

Keith McKeever 59:04

Those are the same people that never reply to text or email either. Isn't it funny and ironic? Exactly.

Sam Silver 59:07

You're trying to schedule showings? Yes, sir.

Keith McKeever 59:14

I mean, simple question or, or who knows what I mean, in this market. If it's a if it's a hot house, you might want to call the listing agent say hey, what do you got on the house? Right? I mean, they mean exactly thing, but you can you know, the sort of people that are gonna be more truthful or you can, I don't know new agents, new agents to tell you anything.

Sam Silver 59:34

It's a well, it's

Keith McKeever 59:37

it's an unfair fight. Sometimes, if I know a new agent on the other end of their listing agent or a buyer's agent. I know that I can, I can twist that arm the way I wanted.

Sam Silver 59:47

agents that don't have training in contracts, drive me up the wall. Okay, you're gonna give me you're gonna send me an FHA loan. Fine. Put the dead in there, don't make me Don't make me have to say, I know your new agent. I'm gonna help you out here. Because I've done that I, you know, they say the things they do, it's very easy to say, Okay, well, you're a new agent, and I'm not the type of person to take that for taking advantage of you, because you're new agent, I want the real estate business to be great. I want the people in a real estate business to be great. I want people around us the public to think of Realtors, not as lawyers or car salesmen or I want them to think, okay, these people are prepared to do this legal documentation with me. I don't want to have to come back and say, You forgot a forum.

Keith McKeever 1:00:58

Yeah, yeah. This forgetting a whole forum is one thing. That's that's that's, that's ridiculous.

Sam Silver 1:01:07

That's really crazy.

Keith McKeever 1:01:08

I have seen that before. And it was like, because ours are normally released in January. Any updates? I have seen one before they came through and I was I immediately recognize them like, this just looks off because it was a big two years before that. It was a big format change. And I'm like, Where have I seen? This is not right. So I look it down to the bottom. And it was like four years old, three or four years old. And I was like, what rock? If you've been hiding under that you don't know that the forms are are brand new, like how do you still have printed ones for four years ago. I'm Tech tech savvy. So I fill out all of mine online, they're all absolutely filled electronically. If I add in this the benefit of not

Sam Silver 1:01:48

even even go and use it or even go and use glide. When I'm doing my AV ID I use glide. That's a great product. It's, you know, you can take pictures while you're there of things that you're putting on your form. So not only do you Yeah,

Keith McKeever 1:02:06

I've never heard of it. It's really cool. I would like pre sale for a buyer, right? Because that's the benefit of working with an agent that knows you. Exactly, you know, what loan type, you know, what kind of things they're going to look for. And there's certain things that you just know, your clients going to, they're going to want, right? You never going to know necessarily what closing date they're going to want. But you do know that it's owner occupied you do those finance, you know, what type of financing, you know, all these different things, you know, their address their phone, so you can pre fill all those. And that's what I do I have that prefilled out. Ready, what I do is throw in the address and throw in those particulars, and it makes it from a half hour 45 minute phone call, walking them through it to 1520 minutes, what are these 1015 questions I got, boom, let me put it in send it to you. You sign it comes right back to me and I forwarded off, but it just blew my mind that that woman had now might have messed up to say it was a woman, I guess it doesn't really matter. It was like three or four years old. I was like, You gotta be kidding me. But then I've had new agents who've had problems, I've had the same conversations where once you kind of realize that they're new, and there's a problem I've one in particular, I can't remember now and I just kind of had a conversation on the phone. And she was she's kind of sort of breaking down she was I know, I'm just having a hard time working with this buyer. And they're, they're kind of being a pain in the butt Miss tighten the other and I was like, You know what, calm down and breathe. Oh, we're in this together. Okay, this is not personal. You know, I was like, you know, you need to fix this stuff, you need to go to your broker. And you need to, you need to have them kind of walk you through these things. There's some things here that need to be addressed. Because the other day, I got to look out for my client to, you know, so I want that contract completely filled out. I want it legible. I want to know exactly what we're getting. And, you know, she kind of thanked me afterwards and eventually had a conversation with her. I was like, you know, I know you're new. I'm going to highly suggest that next year when it comes out to sign up for committees that you sign up to be on the contracts committee. Exactly. I said, I don't say that to be mean, I say that, because that's where the conversations happen about what goes into the next revision. And I said, there are some people in that room that are really smart been doing this for a long time. They've seen the 15 other ways that if we've done it that didn't work. And they can sit there and they can tell you all about why those didn't work. And they can tell you why. You know, a new suggestion isn't going to work. And I said, that's the greatest thing I ever did in my careers. I realized when I got to, I not only learned from my mother who had 25 years in the business at that time, but I realized if I volunteered at the local association, and I sat on those committees I networked, which made made negotiations way easier when you know who you're dealing with on the other end, right? Like if we were to happen to be in the same area, we knew each other. It's something different to be Hey, Sam, my name is Keith with such and such company, I've got an offer for you. It's different when I pick up the phone of Sam. Hey, it's keith. Man. I got a great offer for you. I sent it over. Take a look at it. Let me know what you think. You know, Hey, how's it how's the how's the wife and kids doing?

Sam Silver 1:04:58

It's a big thing. A World difference difference. And, and I've, I've had clients that we were going to things and it's like, I know this agent. I know, I know the brokerage. I know the lender they're using, I know that they are anymore when it comes to getting your documentation done. This is a good offer. And maybe another offer was a better offer. However, I knew that this person would do what needed to be do done in order to close the transaction. And that's, I mean, sometimes if the client is like, yeah, I trust you what what you're doing? And if you say yes, yes. Because who wants the headaches? What's the headaches,

Keith McKeever 1:05:53

nobody wants the headaches, the clients don't want the headaches, we don't want the headaches title doesn't want the headache.

Sam Silver 1:05:58

Nobody wants. Nobody wants to headaches. I just

Keith McKeever 1:06:01

had an epiphany that just makes so much sense. Because we've taught kind of talk like why this career can make sense for veterans. And I know it's a little different based on what, what branch What branch you're in, but I was Air Force Security Forces. So we did some ground combat training, we did operations orders and stuff. And you know, not only do you have to be structured, but you have to know the full picture. And what's one thing you want to do in the military, right, you want to you want good intelligence, you want to know exactly what you're up against. You want to have all the parties involved are all the particulars, all the statistics, you want everything you could possibly imagine Data Wise, on your side. So that you can go out and have a tactical advantage. And at the end of the day, that's what it's about. You're negotiating, it's, you know, for for your dream home,

Sam Silver 1:06:49

especially with buyers, especially with buyers. Now, I mean, how an agent that understands that this is the documentation, these are the things that in a normal market, you ask for. Now, in a seller's market, either, I'm gonna pay for a home warranty, or they're just gonna leave it out, they're gonna leave it under contract, and we're gonna, we're gonna deal with it together. Because I don't have rom paying for Home Warranty for the year. Because that five $600, whatever that is, could be could mean the difference between getting an offer accepted right now and not. I have received offers where the agent actually reduce their commission so that the seller can net more money in their pocket, which I thought it was, I thought it was a genius. I thought it was great. A lot of I mean, there's some tricks out there, that since we're in the business, every day we see countless offers coming through these tricks can help you get into a home that you love. Because we're out there every day doing it. And that's I mean, that's what we do. We that's that's our love.

Keith McKeever 1:08:17

What has worked in this last year, year and a half was not what necessarily worked a year and a half. And it may not work in the next year and a half.

Sam Silver 1:08:25

No, it's constantly changing. It's it's a paradigm shift. Every time the market changes, it's a paradigm shift. But you have to be able to shift happens we'll say shift shift happens.

Yeah, yep. Shift Happens. Definitely

Keith McKeever 1:08:41

does. I mean, I've been doing this eight and a half years, you just you just see certain things you see technology advanced, you see the way we do business, you see, buyers markets come and go and sellers markets come and go and it is what it is and

Sam Silver 1:08:56

and it's a people business. And it's a people business. It's absolutely people it's a people business. So if you don't like dealing with people don't get into business because that's what you're dealing with. When it comes down to you're dealing with people that have a need to buy or sell. You're dealing with people and you have to be willing to take it as you're helping a family you're helping somebody to get into their first home you're you're helping somebody somebody has a need or want and sometimes it's it's a little most the time it is about it is a sensitive situation. Because it's buying your first house is an emotional decision. And selling a house is an emotional decision and the reasons why you're doing those things could be emotional decisions. So we deal with people every day. We You know, I'm on different social media, I'm talking to agents all the way across the country because I want to know what's going on in New York. Because I'm in California. So what happens in the Midwest, what happens in New York, we can see trends come in across the country, before they come to our states. And if I

Keith McKeever 1:10:25

area is really like that we're so small, that we see those trends in New York and LA and Chicago. And we know, you know, as here yet, but like clockwork, give us months or a year, and we're seeing our market.

Sam Silver 1:10:41

Right now we're seeing a little bit softening. In California, and I heard in New York, they're they're having a little bit of a have some challenges. Not a bubble, because everyone's like, when's the bubble coming? It's not. It's not Yeah,

Keith McKeever 1:10:58

everything I've heard indicates that it's not.

Sam Silver 1:11:02

However,

Keith McKeever 1:11:03

we don't have the mortgage. The mortgage issues, this issue is an inventory issue.

Sam Silver 1:11:08

It's an inventory issue. So what's happening is, you have right now what I say or what I've heard is buyer fatigue, there's a lot of buyers out there, too, there have buyer fatigue, and they're not going to waive appraisal contingencies. And they're not going or they'll they'll do something similar to that. Like, they'll say, I'll pay 10,000 over appraised value, or something reasonable. We've been getting 50,000 over appraised value, 80,000 overpraise, out some some 100,000 over appraised value. Because when people go into those houses, they want those houses and just walking into those houses, since the market is still moving, you're getting equity, you're building equity. And as long as you're keeping that house for longer in a certain period of time, you're going to make your money. I mean, it's money in the bank. And since we don't see anything really shifting, right now, when it comes to home values are still going up. If we had a more normal market, the home values would be going up, but they go up a little slower. However we are in a we're in a transition from summer to winter, too. So there's a few things happening at the same time you have people that are having buyer's fatigue, and it's understandable. I mean, it's hard to deal with buyers getting outbid five, six times, no matter what you do, it's

Keith McKeever 1:12:48

it's like standing in a ring with Mike Tyson and getting punched in the face five or six times in a row. I mean, how much how much you get to take before you're like, look, I'm done. I'm out of here, I'm gonna sit this out for a little bit till he looked exactly. Just not going to do it. And I would totally agree with that there's a lot of buyer fatigue right

Sam Silver 1:13:03

now just ever coming into winter too.

Keith McKeever 1:13:06

And it's so it's a dangerous game of gambling in some ways to pay, you know, over, over appraised value or way over asking price or, or make some of these concessions that you just don't want to make, you know, it pains me when I'm working with a buyer and they don't have they don't even have enough money to get the inspections that they want. In a normal market. Right, let's just say all the inspections, they want cost $2,000. But you know, they got $1,000 to their name and they're doing zero down, you know, and they exactly they're not going to be house poor going in the house with Eric, but they just don't have enough money to pay for all the inspections up front that they want. Nothing pains me more than see that. Yeah, they're like, You know what, the whole home inspection makes sense. I'm going to get that but I'm going to skip the fireplace and chimney inspection. Oh, that's a fire hazard. You know, as Asian I'm like, Man, I really wish they could get that, you know, it's like, and then I sit there like look, I understand your situation, but before you use it, I suggest you finally save with the money and get that done. Exactly. But but now is your opportunity to spend that money and get it inspected and ask the seller to fix and address assess issues with it, you know, exactly. And it's it's painful to kind of sit there and I think if you sit in this business long enough you think you have those clients you just feel so bad you know you try to get them the best deal you can you can do what you can for them but some people can't afford all those inspections or they do something that's just kind of dangerous with their money. Yeah, pay 50,000 over appraised values are hurt yeah, I don't know. Maybe in future it's gonna hurt you. I don't know. But it's

Sam Silver 1:14:39

my crystal ball. My crystal ball is broken the last time I looked. It's broken. Yeah, I haven't seen it work for a long time. Otherwise I'd be a zillionaire like the balls broken.

Keith McKeever 1:14:54

Yeah, you know but but you can see the signs of what could be potential in the future and it kind of it kind of stings but it At the end of the day, it's whatever the client wants, you know, exactly educated decision. So,

Sam Silver 1:15:04

and we're and we're there to educate them. And if I have a client that says, You know what I'm not, I'm not bidding over asking price, and that's fine. That's what you want to do. However, you with that, with that, understanding that there's people coming in and are called DEA agents. If somebody says, you know, I'm not going over asking me like, Joel, above asking how much? You know, you know, it's gonna be above asking, sometimes they'll tell you how much sometimes they won't, but at least can go back to your client. Okay. I fished around and I found out you know, if you really want this house, you need to go about asking, I can't tell you how much because the agent didn't disclose that. And they're not required to. As a matter of fact, it's against ethics, if they do. But a lot of agents unfortunately, don't understand the 17 articles of ethics.

Keith McKeever 1:16:06

No, they don't. How was I said on the pro standard for our

Sam Silver 1:16:10

state. So you and I understand those I was just hearing

Keith McKeever 1:16:13

this morning. So I know exactly what you're talking about. And sometimes you hear some doozies in there. You're just like,

Sam Silver 1:16:18

oh, yeah, earth what? Yeah, wait,

Keith McKeever 1:16:22

we're already thinking. Yeah, it's it's, it's crazy sometimes. But yes, I there's an opportunity costs, and every buyer and seller needs to weigh on some of these things, right? The true pay over asking price, that's fine. Okay, you have an increased chance of getting the house now. But trade more for it. If you don't want to play that game, you're basically signing yourself up to get punched in the face multiple times again with rejections. So yeah, as long as you know, the risk and reward, please do. So.

Sam Silver 1:17:00

And, I mean, we we educate people by showing them okay, the this was the comps in your area, this is a house just sold. This is what the listing price is. This is what it's sold for another 50,000 to 70,000 above asking. Now, chances are it did not appraise. However, we did sell for this. But I can't tell you if if it appraised. So you're gonna go offer on this house. Look at this value, it is appraised value. However, if the house before that, didn't sell for that. So you may have a problem that appraiser coming in saying this is this is way too high for these houses in this neighborhood. And it could, it can bite you. So just think big. Think big. Yeah, there's people

Keith McKeever 1:17:58

paying 50 or 100,000 over men. As exactly as you were of the risk, right? That's great.

Sam Silver 1:18:06

It's great for the sellers, especially sellers that are leaving California. Just like

Keith McKeever 1:18:10

it's just like going to the casino and gambling, you know, the house has the advantage. But if if you go in there and you lose $1,000, well, you knew that it wasn't likely you're gonna come out with anything. The house always wins, your house always wins. So anyway, we'll get wrapping up here. But you mentioned before a HERO program. So go ahead, outline a little bit what what your HERO program is

Sam Silver 1:18:37

awesome. The other program is it's called Hometown Heroes. And it is a program where I give back to nurses, police, firefighters, nonprofits, government agencies, veterans and military. 20% of my gross comes back to them when you use my services, or actually there's other agents across the country that are doing the same thing. So I have a big network of agents that get back. And some of them don't get involved in these programs. However, I call them and tell them you know, I don't want to, we're allowed to get referral fees from other agents in other states. What I would rather have done is okay, Keith, I'm sending this I'm sending you to this. This Veteran. I'm not asking for a referral fee. In your state, are you allowed to give credit back to that hero? And most agents will like, Heck, yeah, I'll do that. So the 20% Gross comes back to them as a credit and it makes a difference in a lot of people's lives. It makes a difference between being able to buy a house and not buy a house. Because out here Average houses the $650,000 in my communities called Santa Clarita or Valencia, about $650,000, if you take 20% of $650,000, you know, that's a decent amount of money to get back as credit, which can help you, if you're buying it help you with the closing cost. Or if you're selling, you just get the money back, which will offset whatever the listing fees are. So it's a big deal. It's a big deal. I mean, I've I've seen teachers that could get into houses that because of closing costs, I mean, closing costs was really high. And I say, You know what, this, these are the closing costs. However, if you look at this 20%, that's coming back from the price of the house, it will offset the closing cost. And as long as the loan allows you to get this money back, because some loans work different ways. And that's

Keith McKeever 1:21:10

20% of the

Sam Silver 1:21:11

gross of your mic rows. So

Keith McKeever 1:21:15

I knew where it was going.

Sam Silver 1:21:17

I'm on the side of a transaction gross on my side of transaction, because I can't give your account give your money away to my client. So it's on my side of transaction. So say, you know, 3% of

Keith McKeever 1:21:31

hypothetical, you know, antitrust stuff here, you know? Article numbers,

Sam Silver 1:21:37

yeah, this article. So you got a house that is $500,000. And closing costs are roughly 2%. So you break that down? Is that okay? Well, 2% is your closing costs, and I'm giving 20% of the gross on my side of transaction of 500,000. I don't have a calculator in front of me. So I could probably do it on my phone. But I don't do that right now. So roughly, I think that was 4000. I think my client got $4,000. Back. This is not right off the top of their head. Yeah, yeah, roughly on a on a $500,000 house, but that $4,000 can offset that closing cost. I mean, that's a it's a it's a big deal, especially for somebody that's maybe a teacher, that's not making a huge amount of money unless they've been doing it for a long time.

Keith McKeever 1:22:33

I don't think even with teachers have been doing it long enough to they're still not making their worth.

Sam Silver 1:22:38

Yeah, exactly. You know, you got you got the police, police officers that are out there putting their lives on the line every day. That little that money, I mean, and it means a lot to means a lot to them, because they really appreciate somebody, you know, taking a consideration and what they do and really appreciating that. I find out that right there is just people are just like, Wow, thank you. I had no idea there was a program like this. I had no idea. There were agents out there that were willing to give from their money. You know, the money that they come in and feed their families. And I just like absolutely, why wouldn't why wouldn't somebody appreciate what you do? When you do it every day and you're protecting? You know, I had a I had a firefighter that that saved me and my family from a huge rattlesnake in front of our house. They came they cut the head off, they cut the tail off, they buried the they buried they had to bury the mouth. So somebody didn't if they put it in Trash Can somebody could have gotten still gotten got bit by the by the things.

Keith McKeever 1:23:52

I never would have thought of that. But many rattlesnakes here in central Illinois,

Sam Silver 1:23:57

six foot rattlesnake in front of my garage. And it was good thing I was on my phone because I looked down. I jumped back and I closed my garage because I was like oh no, no come into my house.

Keith McKeever 1:24:13

No robot here. Exactly. Nothing worse than no prob with fangs.

Sam Silver 1:24:18

Exactly. So the firefighter down the block from our house, my wife called and they came in and took care of it. That's what our first responders do. So anytime I can give back to what they do. It's a no brainer. For me. It's a no brainer. And most agents I've asked about doing doing the same thing, even if they're not part of a program. They're like, absolutely, you know, you're you're, you're taking care of them and you're not asking me for coffee. Absolutely. I'll do it. So yeah, I think

Keith McKeever 1:24:52

if you're if especially if you're a buyer, and you're looking to buy a home, you know, ask those questions because I don't think that's something It most people are ever going to really kind of think about to ask, but whether it's that program or other programs, there's a lot of people out there that are offering something. They're giving something back in some way shape or form, that some people some agents for me, it's, it's it's a home warranty. There, though, you know, we got a lot of older homes in our area. So I feel that there's a lot of value in giving a one year home warranty for a little bit of peace of mind in that first year. That is mechanicals and all that stuff, because I've seen pink furnaces for the 50s. Very often avocado, green,

Sam Silver 1:25:36

those are refrigerators.

Keith McKeever 1:25:40

I mean, I've ran into some very antiquated mechanical systems and homes and and the last thing you want to do is to buy a home and six months later or a year later, because you know, odds are it's going to probably happen in that first year, as old as they are, that that thing is crap. And usually about 10 or $15,000 for a new furnace and air conditioning, then usually

Sam Silver 1:26:02

it happens right after escrow closes your house knows when it closes, because I have lots of water heaters around after Esker close because I can prove because I had inspection that that water heater you worked when we were in escrow. So

Keith McKeever 1:26:24

bad furnaces, air conditionings fridges, a couple of washers had a dryer or a dishwasher not work yet. But yeah, those things happen. You know, they happen within a couple of days.

Sam Silver 1:26:36

It's crazy weird. How does the house know that it's been sold? But it does.

Keith McKeever 1:26:43

It does. But that's the value, you know, the whole more Home Warranty value of a home inspection. So you know, general idea what that condition was when when it was expected

Sam Silver 1:26:54

that it's worth keeping. And it's worth keeping that Home Warranty down the line? Because your air conditioner if your air conditioner, breaks, that's 345 $1,000 it could cost you to get a new one. And you know, it's you know, they're only supposed to last about 12 years. So when you look

Keith McKeever 1:27:18

at the ages of things you know, Home Warranty, just throw a round figure out there 500 bucks a year. Yep. Yeah, they've got a lot of add on things. You know how that goes, you know, a million different add on options, and pools and spas and hot tubs or whatever, you know, they all have their things. But say $500 over that 10 year period is 5000. Yep, it's probably gonna cost you more than 5000 for your furnace. Probably four or 5000 for your air conditioning, water heater to have a plumber come in. Just a cheap tank 50 gallon tank one is gonna be six or 700 just for the tank. Oh, yeah, you know, you're gonna double that for labor. So when you started looking at these things, you water heaters 12 to 15 years. I don't know the tankless ones. I know, the tank ones are usually 662 or 12 years, I had one in my house, believe it or not 18 years. It was Wow. And when it went out it had been in here for 18 years and that

Sam Silver 1:28:15

God is a miracle. Put your furnace I

Keith McKeever 1:28:17

mean, I don't. Your furnace might last 30 years, your conditioning might last 1520 Your roof is only gonna last 2025 years in my climate. All these things have a life expectancy, you're gonna replace them at some point time. Exactly. So if you look at that 5000, roughly $5,000 for a 10 year period. are you likely to have to spend something you know, and your deductible is going to be? I don't know 75 to 150? Maybe right now send a contractor out to examine it, they'll fix it for your charge or if it's broken, guess what? You're getting a whole brand new infinite for exactly $500 A year. You know, it's it's worth it. In some cases, maybe it's not. But in a lot of cases, it can save you a

Sam Silver 1:29:01

lot of headache general in general, it is worth it. New Home Builders they offer the word to for the first year. And if after that. You may not need you know to gamble for four or five years. Yeah. But then But then you definitely want to think about doing that because houses do fall apart especially then I'd say to newer houses are made as well as older houses. They, for some reason, they just they just seem like they last longer. The Crossman ships a little bit better when it comes to the way they build things.

Keith McKeever 1:29:41

There's a long list of pros and cons. Yeah, I tell people all the time. I've got a brick ranch built in 1960. There's reasons I have that a I'm afraid of heights, so you're not going to catch me on a ladder. But I'll get on my roof. That doesn't bother me. It's low maintenance. That's what works for me. Exactly. I'm a low maintenance kind of guy. I personally love older Victorian or craftsman style homes. I love them love the character. Me personally, I don't want the expense. No lumber.

Sam Silver 1:30:11

Those are those are 20. original, original Harlequin 2019 2019 18.

Keith McKeever 1:30:18

I'm in the Peoria Illinois area. So we've got a lot of older homes. A lot of this area was built between 1880 and 1920 1930. Oh, yeah. Southside of Peoria East bluff. I mean, there's a lot of areas that are very, very old homes. So you got the on the hardwood floor, the dimensional lumber, you got Nava to wiring, you have very plumbing, you have bathrooms that were converted into, into old closets because when it was built, there was no indoor plumbing. Yeah. Those homes offer so much character. They're beautiful, but they don't exactly closets. They don't have open floor plans. I know homes do. But fire safety and stuff like that, right? I mean, you have the risk of the knob and tube. Yep, they tend to burn slower, they tend to be a little bit safer homes. Yeah, newer homes, they're just, you know, the materials, they just catch fire faster. So exactly every decade, it seems like has pros and cons, you just got to figure out what works for you.

Sam Silver 1:31:08

And for for new homes. For those that are watching that want to get into new homes, there is an advantage to having your Realtor with you on a new home the first time, the first time you go into that development or first time you think about going into bellmunt Call your realtor because they work with a realtor, the realtor can also make sure in the process, everything is going right. And the builder takes care of us takes care of our fees. It doesn't cost you anything out of pocket to use our services. So basically, it's free to have representation on your side in case something happens. So if you think about getting a new home, from a new home builder, colicky call myself, whoever your favorite realtor is call them and say, hey, you know, there's some new home builders over here. I want to go look at those, you know, can you pencil me in, because once you go there, and you don't have representation, your realtor cannot come and help you. If something goes ugly down the road. So make sure before you go to those new homebuilders, you get your favorite Realtor with you will be glad to come in and help you and we'll take a tour of New Home Builders, we probably seen them 5 million times ourselves. And we could probably tell you, you know, you may or may not like this one, the one down the block is really nice, you know. So that's part of what we do every day we go new homes,

Keith McKeever 1:32:51

and builders all have their own kind of unique styles and things you know exactly what things they tend to put in it. But that's a good point. Because you have the same hurdles buying a new home that you do with an existing home. But because it may still be under construction, true have a lot of other factors, you have a lot more customization in some cases that can go on. And so we'll tell you a little bit you know,

Sam Silver 1:33:17

and we'll tell you tips and tricks on how to get a contractor to do things for you off books, we'll say. You go on and you watch it be built and you get to meet the contractors and you know, pizza goes a long way. And other things. So, you know, bribe

Keith McKeever 1:33:36

them with beer because the craftsmanship might take a hit.

Sam Silver 1:33:39

I wasn't gonna say that. I wasn't gonna say but I mean, that there's there are some really cool things that your tips that your realtor could tell you when it comes to new home builders go there. Go there every day. If you can, if you're any Oh yeah, if you're not your realtor, I know Keith would I know I would. I would go take pictures of it of it, you know on a weekly basis if you want if you're not in the area. So you know, there are things that we do we go above the call of duty in a lot of ways I mean I've I've helped people move when I was younger, I've moved people I've helped people move furniture, you know when it comes to staging, I'm over. I'm over couch, almost a sofa. I don't have a problem with that. You know the craziest thing

Keith McKeever 1:34:29

you've done for somebody that

Sam Silver 1:34:31

oh god I ordered I ordered U haul to come out I had I got some people from the corner to come and help because they couldn't do that themselves. What else have I done? I've done a lot. I've done a lot of stuff I buy I buy boxes for my clients for my for my my sellers and buyers. I'll buy boxes for them. I'll get a bring a package of boxes. for them as a gift, you know, that's it, it shows that you really care about what they're going through the, the least amount of hassle they have to deal with, the better. Anybody because they're going to need boxes to learn the process blank boxes.

Keith McKeever 1:35:17

Yeah, cuz you should be friends, you know, you have to have it, you

Sam Silver 1:35:21

have to have a relationship with them because you're going to be in a transaction, at least 30 to 60 days with them. So you might as well enjoy working with them as well.

Keith McKeever 1:35:33

The box idea I never ever thought about that. But you're most likely going to connect at some point in time on exactly your LinkedIn or something with them. So you're probably going to see them at some point in time but add something to their friends and family. Does anybody have boxes? Any boxes? I need Rubbermaid totes, I need this. I need packing tape, you know.

Sam Silver 1:35:52

And I've given back to people in my neighborhood, you know, I'll see I'll see something if I've done some moving or if I had somebody that moved and left me boxes, it's like, sure, you know, come and get it. It's on it's on a curb. They're here boxes because people need boxes, these are things that they're going to need. So if you think a little bit realtors, if you think a little ahead, what are the stress points that your buyers and sellers are going to deal with? In the future? What are the stress points? They need to move? Okay, so boxes, they need to turn on electric electricity, they need utilities, I'll have an app actually that I can actually share. That actually does all the it's through my brokerage but I mean there's I'm sure there's other apps that do

Keith McKeever 1:36:43

it you know, we've got access to one through our through our local MLS. Oh, there you go. It's really awesome. You just put in the client's information and I'm so assuming yours kind of works the same way you just putting information into

Sam Silver 1:36:52

sends them a message, it sends them a message that helps them they don't have to get

Keith McKeever 1:36:57

on their phone and be like, Okay, who's my utility company? And water? And cable and internet? Yeah,

Sam Silver 1:37:04

exactly. Solar, it when they're looking for solar, talk to your realtor, when you're looking if you're thinking about getting solar, talk to your realtor, because your realtor has connections with solar people think of us as your one stop shop, painting, solar, plumbing

ADT, or any of those, any of those security systems Think of us as your one stop shop. Linden, if you you know if you've had your house for a while and you haven't, you know, decided to refinance. Right now it's a great time to refinance call Keith. He's got connections. I got connections call us more than just real estate because we have connections. We're the hub of a community. And, you know, the people we know could save you money. And if we trust them, they're going to take care of you. I mean, even automotive I have I have Isla Mota, people that take care of my cars. And when people call or people go on on Facebook and say, Well, I got a Honda. I need somebody working. I got a guy that's been here for 3040 years. That you know, kiwi motors in Santa Clarita Valley, here's a plug. does an amazing job with Acuras and Honda's unbelievable. That's all he does.

Keith McKeever 1:38:38

I've got family that messaged me every now and then my sister will message me and be like, I need somebody to fix this. I need somebody fix that. Who do you know, exactly message me or she messaged my mom either way. And it's like, oh, don't worry, let me get into my database. And let me I got them all tagged in there. We are categories. Let me let me let me think about this. Right, we are

Sam Silver 1:38:56

a hub, we are a hub of other services for you. So don't hesitate to call us. You know, there's no such thing as a stupid question. If I don't have one, it's not asked exactly. If I don't have the resource, I will find that resource. So always go to your realtor before you think about doing anything. So you don't have to go on Facebook, you don't have to go and look, all the different places. You don't have to waste that time. Your user use our resources. I've been in the business for 16 years, I got lots of connections with all sorts of companies and businesses that will take good care of you landscaping, you know, things like that. And you don't want to be taken to the bank. There's people out there that will take you to the bank and you don't want that and we don't want that.

Keith McKeever 1:39:44

I've been in some houses after people have been taken to the bank. You know, we're things were left, halfway done and whatever. But yeah, that's a really good point, especially because this is a podcast for the military and veteran audience. I'm going to I want to say something to the middle Military members, absolutely PCs thing, because that's where that's really huge Sam, is if you can't see the home in person, and you're buying a new home or an existing home, whatever your agent can go to or that home for you, they can take pictures, they can take videos, they can tell you what they see and feel. I do it. At home, it's too easy. But the connections too, right? If you're moving, because you're in California, I'm in central Illinois. If you're moving to Central Illinois, I'd be more than happy to tell you that. No, shameless plug Jimbo is Jumbos pizza here in town, hands down. And I'm not just saying that because they're the best and they're veteran owned and security forces better known. Well, there you go. Delicious freakin pizza. Right? Exactly. As Realtors we are connected very, very deeply to our local communities. I know all the best pizza places trust me. I got two pizza places, burger joints, restaurants, you know, mechanics, you name everything you mentioned. We know all those different people and all these little communities I'm in? Well, you're in a in a bigger area. I'm in a very pocketed small communities, right? All the little diners all the places you check out, you know the little orchards the place where you can go by Yeah,

Sam Silver 1:41:15

you come out early, you better come down the block from my house.

Keith McKeever 1:41:24

People for some sponsorships in the pond. Go. Seriously. So like, especially for those military members who are moving across state across country, whatever and you don't know that area. Find yourself a good realtor that knows that area that can be your eyes and ears. That's that makes that transaction trans transition transaction everything smoother. And, you know, don't you know, wrap this up, but don't hesitate to reach out to myself or Sam. Absolutely. If somebody's watching this. I'll have Sam's links and everything in the in the YouTube description. But reach out to us, Sam, go ahead and tell us where people can reach out to you at Oh, great.

Sam Silver 1:42:04

Um, you can call me or call me directly on my cell phone 661-621-5340 My website's Sam several homes.com is my website and my hero website is Sam's heroes.com Those are the best ways you can honestly go I have a I have a it's called a 10k card. Sam 661 dot com. And all my links are on my 10k card. So I appreciate your time. I appreciate you Keith. Can't wait to talk to you on clubhouse and tell everyone else.

Keith McKeever 1:42:38

I was just gonna say it's another way they can reach you right get I know yours because it sticks out Sam 661

Sam Silver 1:42:48

Sam 6x one comma clubhouse. He's the guy. So and, and what you know we have veteran groups in clubhouse if you're a veteran, and you need to connect for any reason. I've seen some amazing amazing things happen on clubhouse with veterans. I mean, people, somebody's homeless, and all of a sudden we get we got an E we got the alert goes out. And we have people that work for the VA and we have people that are veteran reps that come out of the woodwork to help. Because you deserve it. You know, we can never thank you for your services. You deserve it and keep connected to Keith and myself and come to clubhouse to come come to the veterans network. Veterans network club, go to veterans network club. It's a great, great website, on resources for veterans. So stay connected with us. We're there for you. We want to help you and and, you know do the buddy calls. Make sure you do your buddy calls that we were losing. Unfortunately, we're losing. I think it's up to 27 Soldiers a day. Because for some reason they fell through the cracks. You know, it's very important, you know, get a hold of one of us. I mean, I'm always on social media somewhere. If I'm not on social media, I my my taps tapped me. I will find help for you. If there's a situation and you need help, I will find help for you. I've helped people that were sleeping under the bridge in my community. I'm part of what's called a veteran collaborative out here in the Santa Clarita Valley. It's meant for resources for veterans too. So they're not alone.

Keith McKeever 1:44:47

Yeah, yeah, we gotta get keep keep people from falling through the cracks. But absolutely, yeah. When it comes to getting a hold of us, it's easy to find us as realtors and business owners are I'm everywhere. You know, that's the that's the joy of running the business you want to be found everywhere. So, exactly the job right, you can find this anywhere. Exactly. So, anyway, Sam, I appreciate it as you as well, I can, I could definitely see some things happening in the future within real estate where we might need to, you know, reconnect on here and talk about things because we hit some things, you know, market wise and, you know, year and a half for now, or whoever, who knows when that happens? shifts and we're looking at different perspective and we might have to get back on here and do so

Sam Silver 1:45:32

go come and do do a borrower perspective when there's when there's more buyers and sellers. Exactly. We'll put we'll put class and there were sellers. Sorry.

Keith McKeever 1:45:45

Yeah, yeah. When that market shifts, you know, another another, the classes session. How about that?

Sam Silver 1:45:49

Absolutely. I'm in whatever whatever you want me I'm here.

Keith McKeever 1:45:53

Awesome. Alrighty, well hang out in the back here. And we'll play this this final message here. And that remind everybody to you know, make sure you hit the subscribe button and like button, follow us. check those things out.

Transcribed by https://otter.ai